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CNB St Louis Bank

$100M-$1B Specialty: Commercial MO FDIC cert 4549

Maplewood, MO

6 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -3.6% year over year ($696.8M on the books).
  • Delinquency rate 0.58%.
  • Return on assets 1.36%.
  • Efficiency ratio 59.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

CNB St Louis Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 4.62% below tier average
  • + Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 1.8% in tier
  • - Liquidity Strain: Bottom 5.5% in tier
  • - Capital Constraint: Bottom 25.2% in tier
  • - Credit Quality Pressure: Bottom 26.3% in tier
  • - Net Interest Margin 0.42% below tier average
Get updates when CNB St Louis Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $812.9M
-3.2% YoY -4.7% QoQ
+$426.3M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Top 7.3% in tier
Total Loans ? $646.7M
-1.6% YoY -4.5% QoQ
+$388.4M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Top 4.1% in tier
Total Deposits ? $696.8M
-3.6% YoY -4.9% QoQ
+$370.0M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Top 7.0% in tier
Return on Assets ? 1.36%
+39.4% YoY -0.7% QoQ
+0.04% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
57%
Net Interest Margin ? 3.57%
+13.3% YoY +2.5% QoQ
-0.42% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 59.86%
-11.0% YoY +1.9% QoQ
-4.62% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
57%
Delinquency Rate ? 0.58%
+7.9% YoY -0.3% QoQ
-0.34% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 92.81%
+2.0% YoY +0.4% QoQ
+14.86% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 18.95%
+5.4% YoY +4.5% QoQ
-3.08% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.46%
+9.6% YoY -0.1% QoQ
-0.21% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 9.29%
-8.2% YoY -10.8% QoQ
-6.62% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 3.1% in tier
Non-Interest Income / Assets ? 0.11%
+9.7% YoY +113.3% QoQ
-0.45% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 18.9%
+1.0pp YoY
+0.8pp QoQ
 -3.2pp 22.1% 20.9% 22.2% 40%
Brokered Deposits 4.3%
-8.3pp YoY
-2.7pp QoQ
 -3.5pp 7.9% 7.4% 8.5% 46%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 22.7%
+0.8pp YoY
-2.0pp QoQ
 +11.1pp 11.6% 12.3% 12.5% 91%
CRE 61.7%
+0.3pp YoY
+1.6pp QoQ
 +22.2pp 39.5% 36.8% 41.4% 86%
1-4 Family 17.0%
-0.8pp YoY
+0.5pp QoQ
 -15.6pp 32.6% 31.9% 31.3% 23%
Consumer 0.5%
-0.1pp YoY
0.0pp QoQ
 -3.6pp 4.1% 4.1% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 9.3%
+0.7pp YoY
+0.3pp QoQ
 -2.9pp 12.2% 11.6% 12.6% 17%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 89
+2 (+2.3%) YoY
+2 (+2.3%) QoQ
 +30 58 162 482 82%
Assets per Employee ($) $9.1M
-5.4% YoY
-6.8% QoQ
 +$1.6M $7.5M $8.0M $8.8M 80%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 19%
Nonaccrual 0.6%
0.0pp YoY
+0.1pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 56%
Allowance Coverage 3.33x
+1.7% YoY
+6.1% QoQ
 -20.82x 24.15x 10.47x 20.23x 61%
Net Charge-off Rate (YTD) -0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 28%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 18.3%
+2.9pp YoY
-0.6pp QoQ
 +6.1pp 12.2% 14.3% 11.6% 83%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 82%
Net Income ($, YTD) $5.7M
+41.2% YoY
— QoQ
 +$3.2M $2.6M $11.3M $40.4M 91%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk
#13 of 661 • Bottom 1.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.29%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#39 of 691 • Bottom 5.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.81%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Constraint

risk
#28 of 107 • Bottom 25.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 92.81%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 9.29%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Credit Quality Pressure

risk
#331 of 1256 • Bottom 26.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.58%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

110
Total Loans
size
Value: $646.71M
Peer Median: $258.35M
#110 of 2643 Top 4.1% in $100M-$1B
187
Total Deposits
size
Value: $696.78M
Peer Median: $326.73M
#187 of 2643 Top 7.0% in $100M-$1B
194
Total Assets
size
Value: $812.87M
Peer Median: $386.57M
#194 of 2643 Top 7.3% in $100M-$1B

Top Weaknesses (3 metrics)

2563
Tier 1 Capital Ratio
capital
Value: 9.29%
Peer Median: 15.91%
#2563 of 2643 Bottom 3.1% in $100M-$1B
2097
Loan-to-Deposit Ratio
liquidity
Value: 92.81%
Peer Median: 77.95%
#2097 of 2643 Bottom 20.7% in $100M-$1B
2049
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2049 of 2643 Bottom 22.5% in $100M-$1B
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